The earnings call highlighted strong loan growth and improved net interest margins, driven by effective deposit management and a robust sales force. However, there were concerns with an increase in substandard loans and a decrease in non-interest income. Despite these challenges, the overall performance and strategic growth initiatives suggest a positive outlook.

Company Guidance -

Q2 2025

During the first quarter of 2025, Five Star Bancorp demonstrated robust financial performance and strategic growth. The company expanded into the San Francisco Bay Area, adding four seasoned professionals to support this venture, and increased non-wholesale deposits by $48.4 million. The bank reported a 50.03% LTV on commercial real estate, a 42.58% efficiency ratio, and a $0.20 per share dividend. Total loans held for investment rose by $89.1 million, a 2.52% increase from the previous quarter, with average loan yields up to 6.02%. The commercial real estate segment grew to 81.11% of the loan portfolio. Despite a rise in loans designated as substandard or doubtful to $3.7 million, asset quality remained strong with non-performing loans steady at 0.05%. Deposits increased by $178.4 million or 5% quarter-over-quarter, driven by non-interest-bearing and interest-bearing deposits, while the cost of total deposits decreased by 10 basis points to 248 basis points. The bank's net income was $13.1 million, with a return on average assets of 1.3% and a return on average equity of 13.28%. As the company moves forward, it remains confident in its resilience and continued growth.

Strong Loan Growth

Total loans held for investment increased by $89.1 million or 2.52% from the prior quarter, with a significant increase in the commercial real estate segment.

Improved Net Interest Margin

Net interest margin improved by nine basis points to 3.45% for the quarter, primarily driven by a lower average cost of deposits.

Deposit Growth

Deposits increased by $178.4 million or 5.0% compared to the previous quarter, with non-wholesale deposits increasing by $48.4 million.

Low Non-performing Loans

Non-performing loans remained low at 0.05% of loans held for investment.

Recognition and Awards

Five Star Bancorp ranked third on the S&P Global Market Intelligence list of best performing community banks and received multiple local business accolades.

Five Star (FSBC) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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FSBC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Jul 23, 2025	2025 (Q2)	0.64 / -	0.51	―	―	―
Apr 28, 2025	2025 (Q1)	0.59 / 0.62	0.62	0.00% (0.00)
Jan 27, 2025	2024 (Q4)	0.57 / 0.63	0.63	0.00% (0.00)
Oct 28, 2024	2024 (Q3)	0.53 / 0.52	0.64	-18.75% (-0.12)
Jul 24, 2024	2024 (Q2)	0.49 / 0.51	0.74	-31.08% (-0.23)
Apr 29, 2024	2024 (Q1)	0.52 / 0.62	0.77	-19.48% (-0.15)
Jan 29, 2024	2023 (Q4)	0.59 / 0.63	0.77	-18.18% (-0.14)
Oct 30, 2023	2023 (Q3)	0.60 / 0.64	0.68	-5.88% (-0.04)
Jul 24, 2023	2023 (Q2)	0.66 / 0.74	0.58	27.59% (+0.16)
Apr 24, 2023	2023 (Q1)	0.69 / 0.77	0.58	32.76% (+0.19)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

FSBC Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Apr 28, 2025	$26.85	$27.50	+2.42%
Jan 27, 2025	$30.08	$30.30	+0.73%
Oct 28, 2024	$29.88	$29.49	-1.31%
Jul 24, 2024	$27.59	$28.44	+3.08%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Five Star (FSBC) report earnings?

Five Star (FSBC) is schdueled to report earning on Jul 23, 2025, After Close (Confirmed).

What is Five Star (FSBC) earnings time?

Five Star (FSBC) earnings time is at Jul 23, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is FSBC EPS forecast?

FSBC EPS forecast for the fiscal quarter 2025 (Q2) is 0.64.

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